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Andbank Conservador

Created byuser-qaa8hn
Optimize FIRE Projection
Annual Rebalancing
EUR
Low Risk
4.2yr backtest

Performance Summary

Total Return+23.97%
Annualized Return+5.31%
Volatility+1.70%
Sharpe Ratio1.95
Max Drawdown+4.17%

Holdings

Asset Allocation

Asset Class

Bonds 100.0%
Holdings Details
A diversified bond portfolio with 91% fixed income allocation across global, short-term, and Nordic corporate bonds for stable returns.
AssetTypeAllocationTER
IE00BFZMJT78
NB ULTRA SHORT TERM EN CASH • IE00BFZMJT78
FUND
10.0%0.25%
ES0140072002
Ábaco Renta Fija Mixta Global I FI • ES0140072002
FUND
10.0%1.35%
ES0138922069
Gesconsult Corto Plazo I FI • ES0138922069
FUND
10.0%0.5%
ES0160924017
March Renta Fija Flexible A FI • ES0160924017
FUND
10.0%0.85%
LU2023201044
Pareto Nordic Cross Credit H I EUR • LU2023201044
FUND
10.0%0.75%
LU0840158900
Storm Fund II - Storm Bond Fund IC EUR • LU0840158900
FUND
9.0%1%
IE000VA5W9H0
MAN GLG Global Investment Grade Opportunities I H EUR Acc • IE000VA5W9H0
FUND
9.0%0.45%
ES0116567035
CARTESIO X  • ES0116567035
FUND
9.0%1.5%
LU1623762926
Carmignac Pf Credit Income A EUR • LU1623762926
FUND
9.0%1.2%
IE00BK1KH528
Algebris UCITS Funds plc - Algebris IG Financial Credit Fund I EUR Acc • IE00BK1KH528
FUND
5.0%0.6%
LU1269891641
Candriam Bonds Global High Yield Class R EUR Cap • LU1269891641
FUND
5.0%1.2%
LU1670631958
M&G (Lux) Emerging Markets Bond Fund C EUR Acc • LU1670631958
FUND
4.0%0.75%
Total100.0%0.86%

Performance

Portfolio Value Over Time
Starting with €10,000 investment → now worth €12,396.98
Histogram of Monthly Returns
The portfolio had a positive return during 40 of the 51 months (78%)
Monthly Returns Heatmap
Best month: +2.2% • Worst month: -2.6% • Best year: 2023 (+8.9%) • Worst year: 2022 (+0.8%)
YearJanFebMarAprMayJunJulAugSepOctNovDecTotal
2026+0.7%+0.7%-1.6%+0.9%+0.6%+0.3%-0.3%+0.2%-0.2%---+1.3%
2025+0.7%+0.9%-0.6%+0.0%+0.8%+0.6%+0.7%+0.4%+0.4%+0.4%+0.2%+0.3%+4.9%
2024+0.7%-0.1%+1.0%-0.1%+0.9%+0.5%+1.2%+0.6%+0.8%-0.1%+0.7%+0.1%+6.3%
2023+2.1%+0.0%-0.4%+0.6%+0.3%+0.3%+1.1%+0.3%+0.2%-0.1%+2.0%+2.2%+8.9%
2022------+1.1%-0.4%-2.6%+0.5%+2.1%+0.0%+0.8%
> +2%
0% to +2%
-2% to 0%
< -2%
Drawdown Analysis
Maximum drawdown: +4.17% • The longest drawdown period lasted for 4 months and was between August 2022 and January 2023. It reached a trough of -4.2%.
When could this portfolio get you to financial independence?

Andbank Conservador returned +5.31% a year over the 4 years above. Run those same monthly returns forward through 10,000 simulated paths, with your own savings and target retirement age, to see when they could reach your FIRE number.

Detailed Metrics

Returns
Total Return
+23.97%
Annualized Return
+5.31%
Avg Monthly Return
+0.43%
Risk
Volatility (Annual)
+1.70%
Max Drawdown
+4.17%
Positive Months
78%
Average Drawdown
-0.6%
Risk-Adjusted
Sharpe Ratio
1.95
Risk-free rate: 2.0%
Sortino Ratio
1.86
Downside risk adjusted
Return/Volatility
3.12
Calmar Ratio
1.27
Return/Max Drawdown
Ulcer Index
0.84
Drawdown depth & duration
Martin Ratio
0.04
Return/Ulcer Index
Backtest Configuration
Initial Investment
€10,000
Final Value
€12,396.98
Backtest Period
2022-07-08 to 2026-09-02
4.2 years
Rebalancing
annual
Base Currency
EUR